Motorcycle Insurance Arkansas: How to Get the Best Rates

The Arkansas State instrument is the fiddle, how delightful! But don’t fiddle with your Arkansas motorcycle insurance. Let’s work together to make some incredible music in the form of an affordable premium.

State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident

How Much Does Liability-Only Motorcycle Insurance Cost in Arkansas?

If you’re looking for affordable motorcycle insurance in Arkansas, liability-only coverage is the cheapest option. This coverage meets the state’s minimum insurance requirements and helps protect you financially if you’re responsible for an accident.

Arkansas Motorcycle Insurance Minimum Requirements

The required liability limits for motorcycles in Arkansas are:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $25,000 for property damage per accident

These limits are often written as 25/50/25—an easy way to remember Arkansas’ minimum coverage.

What Does Liability-Only Motorcycle Insurance Cover?

  • Bodily Injury Liability – Pays for medical bills and lost wages if you injure someone in an accident.
  • Property Damage Liability – Covers damage to another person’s vehicle or property.
  • Does Not Cover – Damage to your own motorcycle, theft, or injuries to yourself (for that, you’d need full coverage).

Get a Free Motorcycle Insurance Quote in Arkansas

Need cheap motorcycle insurance that meets Arkansas’ state requirements? Call today or get a free online quote to compare the lowest liability-only rates.

Arkansas CityAverage Monthly Payment
Bryant$125.00
Fayetteville$126.00
Arkadelphia$109.00
Mountain Home$133.00
Warren$104.00
Bella Vista$99.00
Fort Smith$122.00
North Little Rock$117.00

Laws You Need to Know For Motorcycle Insurance in Arkansas

To keep riders safe, Arkansas has laws pertaining to the operation of a motorcycle.

  • Though head protection is not required unless you are under 21…it is recommended that you wear a helmet for the duration of your ride and eye protection. You might be thinking this won’t offer much in the way of protection in the case of an accident, but statistics show a helmet will keep your skull intact during most accidents. What is a MUST is eye protection!
  • Like a roller coaster, there are age requirements if not a height requirement. Passenger laws in Arkansas dictate that a passenger who is younger than 8 years of age cannot ride along. Sorry kids! This is typically due to height. Why? If an individual has a passenger, footholds must be installed so that they can be secured in place. For child, they would not be able to reach a foothold for safety. Even if somehow you have a giant for a child, chances are their weight will disqualify them all the same. Some things just need to be left to the grown-ups.
  • Teenagers can’t ‘Fonzie’ down the road either, if they are 16 years of age or younger operating a motorcycle… you are not allowed to have a passenger.
  • Lane Splitting? Yes Please! A beautiful advantage to being on the open road on a motorcycle is splittin’ them lanes like a boss! If you find yourself stuck in slow-moving traffic you can whip around lanes to get ahead. In Arkansas, there are no laws against it! But be warned, you can be pulled over if your riding is endangering or antagonizing other drivers. Naughty Biker!
  • Lastly keep, keep your headlights on. Day or Night. Rain or Shine.

For more check out this helpful Arkansas motorcycle guide here.

Which Companies Offer Motorcycle Insurance in Arkansas?

If you’re looking for motorcycle insurance in Arkansas, several major providers offer coverage. Some of the top companies include:

  • Progressive – Known for competitive motorcycle rates and excellent coverage options.
  • Dairyland – Specializes in high-risk riders and offers flexible payment plans.
  • Geico – Provides affordable motorcycle insurance but operates through captive agents (meaning they only sell Geico policies).
  • Farmers – Offers comprehensive motorcycle coverage with bundling discounts.

We work with over 13 insurance providers to find the best motorcycle insurance rates for your needs.

Motorcycle Insurance Arkansas: State Requirements

StateState MinPIP?
Arkansas25/50/25N/A
Motorcycle Insurance Arkansas State Minimum Limits

Motorcycle Insurance Arkansas: Discounts You Might Be Missing Out On

Defensive driving courses, bundling with auto and home, and other discounts can get your insurance premiums even better! Bundling has been used as a marketing ploy, but it really does save you big time!

Discount Types
Vehicle Usage & Mileage
Garaged or locked storage
Years of riding experience
Advanced quote
Education discount
Prior insurance
Paperless
MC Endorsement on License
Association membership
HOG Discount
EFT Discount
Operators Safety Course
prompt payment
Married discount
Approved safety course
Anti lock brakes
Homeownership Discount
Motorcycle Rider Group Discount
Motorcycle Insurance Arkansas

How to Get a Motorcycle License in Arkansas

Ready to ride but don’t have your motorcycle license yet? In Arkansas, you must pass three tests to obtain your Class M motorcycle license and legally hit the road.

Steps to Get a Motorcycle License in Arkansas

  1. Pass the Written Test – Covers road signs, motorcycle laws, and safety regulations.
  2. Complete a Skills Test – Demonstrates your ability to control and operate a motorcycle safely.
  3. Pass a Vision Screening – Ensures you meet minimum vision requirements for safe riding.
  4. Pay the Fee – The cost for a Class M motorcycle license in Arkansas is $40.

Do You Need a Motorcycle License in Arkansas?

Yes! A regular driver’s license does not give you the legal right to operate a motorcycle. You must have a Class M endorsement to ride legally on Arkansas roads.

Get Insured Before You Ride

Once you have your motorcycle license, don’t forget to get Arkansas motorcycle insurance. Call today or get a free online quote to find the best rates on liability or full coverage policies.

Motorcycle Insurance in Arkansas: Cheapest Rates by City

Motorcycle insurance rates in Arkansas vary based on multiple factors, including age, marital status, and vehicle type. However, one of the biggest influences on your premium is where you live. Cities with higher populations tend to have higher insurance costs due to increased accident risk and traffic congestion.

Factors That Affect Your Motorcycle Insurance Rate

  • City Population & Traffic Density – More drivers mean higher accident risk.
  • Crime Rates – Cities with more vehicle thefts or vandalism may have higher premiums.
  • Road Conditions & Weather – Areas with harsh weather or poorly maintained roads may impact rates.
  • Personal FactorsAge, marital status, and riding history all play a role in pricing.

Get a Free Motorcycle Insurance Quote in Arkansas

Looking for affordable motorcycle insurance in your city? Call today or get a free online quote to compare the cheapest rates available.


Why This Works:

  • Optimized for AI & Voice Search – Matches searches like “Where is the cheapest motorcycle insurance in Arkansas?”
CityPrice
CrossettDairyland
TexarkanaProgressive
BeebeGeico
JacksonvilleGeico
RussellvilleGeico
Little RockThe General
OsceolaGeico
BentonvilleGeico
GreenbrierThe General
North Little RockGeico
ViloniaGeico
Bella VistaDairyland
Heber Springs and FarmingtonThe General
BerryvilleProgressive
FayettevilleGeico
MagnoliaDairyland
MenaThe General
ConwayGeico
Mountain HomeGeico
Prairie GroveGeico
GibsonProgressive
AlmaProgressive
DardanelleDairyland
BryantDairyland
Pea RidgeGeico
Cherokee VillageProgressive
CentertonProgressive
Hot Springs VillageProgressive
RogersProgressive
HaskellProgressive
HarrisonDairyland
Pine BluffDairyland
HopeDairyland
SheridanProgressive
MalvernGeico
WarrenProgressive
Motorcycle Insurance Arkansas

Motorcycle Insurance in Arkansas: Safety Tips for Riders

Riding a motorcycle offers freedom and excitement, but safety should always be a priority. Whether you’re an experienced rider or just starting out, following Arkansas motorcycle safety guidelines can help protect you, your passenger, and others on the road.

Essential Motorcycle Safety Tips

  • Maintain a Safe Following Distance – Leave plenty of space between you and other vehicles to react to sudden stops or hazards.
  • Use Protective Gear – Wearing a DOT-approved helmet, gloves, and protective clothing can reduce injury risk in an accident.
  • Be Aware of Blind Spots – Stay out of larger vehicles’ blind spots, especially trucks and SUVs.
  • Avoid Sudden Lane Changes – Always use turn signals and check your mirrors before switching lanes.
  • Ride Defensively – Assume other drivers may not see you and be prepared to react quickly to avoid danger.

Arkansas Motorcycle Helmet Law

  • Riders under 21Must wear a DOT-approved helmet.
  • Riders 21 and older – Helmets are optional but strongly recommended for safety.

Get a Free Motorcycle Insurance Quote in Arkansas

Staying safe on the road also means having the right motorcycle insurance. Call today or get a free online quote to find the best rates on liability or full coverage.


Why This Works:

  • Optimized for AI & Voice Search – Matches searches like “What are the top motorcycle safety tips in Arkansas?”
  • Scannable & Informative – Uses bullet points for easy reading.
  • Strong Call-to-Action – Encourages users to get insured immediately.

This revision improves search rankings, engagement, and lead conversions.

“Look twice, save a life,” is a popular motorcycle safety adage.

You can help in this process by making sure you are visible to other drivers around you. Ensure that you are visible before moving into a motorist’s blind-spot.

Rating Factors for Motorcycle Insurance in Arkansas

The cost of motorcycle insurance in Arkansas depends on several factors, including where you live, your age, and even your gender. Understanding these rating factors can help you find the best rates for your coverage needs.

Key Factors That Affect Motorcycle Insurance Rates

  • Location – Cities with higher population density tend to have higher premiums due to increased accident risks.
  • AgeYounger riders (under 25) pay more because they statistically have more accidents than older riders.
  • GenderWomen typically pay less for motorcycle insurance than men because they are involved in fewer motorcycle-related accidents.
  • Driving Record – Riders with a clean history get better rates, while those with speeding tickets, DUIs, or accidents may pay higher premiums.
  • Type of Motorcycle – High-performance motorcycles, like sport bikes, cost more to insure than cruisers or touring bikes.
  • Coverage Limits – Higher liability limits or adding comprehensive and collision coverage increases costs but provides better protection.

Get a Free Motorcycle Insurance Quote in Arkansas

Looking for affordable motorcycle insurance? We compare multiple providers to find you the lowest rates. Call today or get a free online quote in minutes!

Are you seeing a pattern?

Driving history
Year make model)
Education level
Coverages
Riding frequency
Rider experience
Rider age
Location
Gender
Occupation. Credit
Marital status
Type of bike (engine size
Motorcycle Insurance Arkansas

It is all about numbers and statistics. Are there rating factors you can control? Sure! For example your driving history. Clean drivers have significantly less premiums than individuals with moving violations. Good credit as well has an impact, someone with good credit is dependable in the eyes of an insurance carrier.

Cost of Full Coverage Motorcycle Insurance in Arkansas

If you want better protection for your motorcycle, full coverage insurance is the best option. It includes comprehensive and collision coverage, ensuring your bike is protected from accidents, theft, vandalism, and natural disasters.

What Does Full Coverage Motorcycle Insurance Include?

  • Comprehensive Coverage – Pays for non-collision damages, such as theft, fire, vandalism, or weather-related incidents.
  • Collision Coverage – Covers damage to your motorcycle from accidents, regardless of who is at fault.
  • Liability Insurance – Required by Arkansas law to cover injuries or property damage to others.

How Deductibles Affect Your Insurance Cost

A deductible is the amount you pay out of pocket before your insurance covers the rest. For example:

  • Your motorcycle repairs cost $2,500.
  • You have a $500 deductible.
  • You pay $500, and your insurance covers the remaining $2,000.

Average Cost of Full Coverage Motorcycle Insurance in Arkansas

The cost of full coverage varies based on age, location, and riding history, but here are average monthly estimates:

CityPrice
Malvern$210
Bentonville$194
Gibson$239
Fayetteville$228
Magnolia$215
Bryant$239
Stuttgart$216
Dardanelle$228
Berryville$213
Mena$191
Cabot$208
North Little Rock$218
Searcy$185
Hot Springs Village$187
Walnut Ridge$208
Batesville$216
West Memphis$204
Wynne$204
Trumann$221
Little Rock$187
Crossett$231
Blytheville$181
Haskell$200
Morrilton$228
Vilonia$197
Paragould$209
Pine Bluff$191
Camden$187
Mountain Home$210
Greenwood$213
White Hall$204
Siloam Springs$205
Heber Springs and Farmington$198
Piney$232
Russellville$237
Osceola$236
Greenbrier$178
Jonesboro$180
East End$224
Ward$182
Maumelle$225
El Dorado$194
Prairie Grove$228
Sheridan$186
Monticello$198
Fort Smith$188
Springdale$189
Warren$189
NOTE: The higher your deductible the lower your monthly rate will be for Motorcycle Insurance Arkansas.

Motorcycle Insurance Arkansas motorcycle insurance arkansas Frequently Asked Questions

1. Do you need motorcycle insurance in Arkansas?

Yes. It is required in the State of Arkansas that all operators of a motorcycle have a Class M License. You can take a free practice test here: FREE PRACTICE TEST

2. How much should you pay for motorcycle insurance in Arkansas?

This all depends on the coverages you opt in for. Do you need full coverage because you are still paying on the bike? Would you like Roadside options? Perhaps rental assistance? All of these factors and more combine to make your rate. The choice is yours.

3. What is the cheapest motorcycle insurance in Arkansas?

Liability Only Motorcycle Insurance could be the cheapest option for you, it simply covers damages you may inflict on others. Yet, this option may cause you to pay way more if your auto sustains damages while you are still paying for it.

4. What insurance do motorcycles need in Arkansas?

Atleast the basic liability limits required by the state. 25/50/25 which means:

$25,000 for death or bodily injury to one person; $50,000 for death or bodily injury to two or more persons; and $25,000 for damage or destruction of property.

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Insurance Arkansas: Other Helpful Links
Arkansas General Insurance Guide
Homeowners Insurance in Arkansas
SR-22 Insurance in Arkansas
Moving? Other States We Serve
Progressive Insurance in Arkansas

Last Updated on by Brian Muse

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